543 Fox St, Lapeer, MI 48446 Property Records

Lapeer County property record for 543 Fox St, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,838 sqft · built 1900
Lot Size	0.165 acres (7,187 sqft)
Owner	Individual Name on Record
Last Sale	$183,000 (Feb 2021)
Tax Bill	$3,008 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Jul 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`L20-14-900-040-00`

Property Details

APN / Parcel Number

Primary APN	`L20-14-900-040-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,838 sqft Living Area
1st Floor Area	1,483 sqft
Flooring	Carpet

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	7,187 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Area	200 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	543 FOX ST
City	LAPEER
State	MI
Zip	48446-2128
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 1 FM
Legal Description	CITY OF LAPEER LAPEER VILLAGE PLAT LOT 116 (L=1 P=73 SEC 5, T7N-R10E)
Legal Range	10E
Legal Township	07N
Legal Section	05
Legal Subdivision	LAPEER VILLAGE PLAT
Legal Lot Number	116
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	2
Census Block	2045
Census Tract	337500

Owner

Source: Lapeer County records, as of September 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	543 FOX ST, LAPEER, MI 48446-2128
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Deed of Trust, Mortgage · Line of Credit MICHIGAN SCHOOLS & GOVERNMENT CU
Jul 7, 2021	Deed of Trust, Mortgage · Line of Credit MICHIGAN SCHOOLS & GOVERNMENT CU
Feb 18, 2021	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN SCHOOLS & GOVERNMENT CU
Nov 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage OTHER INSTITUTIONAL LENDERS
Oct 26, 2017	Warranty Deed, Transfer LIGHTHOUSE TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2021 · Amount on Record
Deed Sale	Feb 18, 2021 · Amount on Record
Prior Sale	Oct 26, 2017 · Amount on Record
Deed Book / Page	3176 / 132
Prior Transfer Date	Nov 9, 2007
Prior Transfer Doc	0022980461
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	543 FOX ST, LAPEER, MI 48446-2128
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40400 GARFIELD RD, CLINTON TOWNSHIP, MI 48038-4004

Mortgage

Document Number	0034800239
Date	Sep 30, 2025
Book Page	3480/239

Lender

Name	MICHIGAN SCHOOLS & GOVERNMENT CU
Type	Credit Union
Address	40400 GARFIELD RD, CLINTON TOWNSHIP, MI 48038

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2050

Interest

Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	543 FOX ST, LAPEER, MI 48446-2128
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 FOX ST, LAPEER, MI 48446-2128

Mortgage

Document Number	0032180149
Date	Jul 7, 2021
Book Page	3218/149

Lender

Name	MICHIGAN SCHOOLS & GOVERNMENT CU
Type	Credit Union
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Feb 18, 2021
Property Address	543 FOX ST, LAPEER, MI 48446-2128
Document Number	0031760132
Book / Page	3176 / 132
Map Reference	LB 1 PG 73
Instrument Date	Feb 3, 2021
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,372.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5479 LINGER LN, 5479, LAPEER, MI 48446-8012

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 FOX ST, LAPEER, MI 48446-2128

Mortgage

Document Number	0003176134
Date	Feb 18, 2021
Instrument	3176/134

Lender

Name	MICHIGAN SCHOOLS & GOVERNMENT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	543 FOX ST, LAPEER, MI 48446-2128
Document Number	0029990208
Instrument Date	Nov 29, 2018
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	LIGHTHOUSE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5479 LINGER LN LAPEER MI 484468012, LAPEER, MI 48446-8012

Mortgage

Document Number	0029990208
Date	Dec 6, 2018
Book Page	002999/000208

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	COEUR D'ALENE, ID 83814

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Oct 26, 2017
Property Address	543 FOX ST, LAPEER, MI 48446-2128
Document Number	0029260595
Book / Page	002926 / 000595
Instrument Date	Oct 20, 2017
Transaction Type	Transfer
Record Updated	Dec 8, 2017
Title Company	LIGHTHOUSE TITLE

Transaction

Amount	Amount Recorded
Tax	$127.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	543 FOX ST LAPEER MI 484462128, LAPEER, MI 48446-2128

Tax Assessment & Valuation

Source: Lapeer County assessment roll, as of September 24, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Lapeer County
Municipality	Lapeer City
Unified School District	Lapeer Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$112,700 (+8.47%)	$225,400 (+8.47%)
2025	$3,008.00 (+16.63%) Homeowner's exemption	$103,900 (+5.48%)	$207,800 (+5.48%)
2023		$98,500	$197,000
2022	$2,579.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 4, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (2009)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 2009 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF LAPEER serves 9,023 people · EPA ID MI0003780
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2023
Monitoring and Reporting	11 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 419 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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